Chargeback Representment
The process by which a merchant disputes a chargeback initiated by the cardholder. Representment involves the merchant providing evidence to the issuing bank via their acquiring bank to confirm the payment’s legitimacy. If the issuer does not rule in favor of the merchant, the dispute can be escalated to the card schemes for a final […]
The process by which a merchant disputes a chargeback initiated by the cardholder. Representment involves the merchant providing evidence to the issuing bank via their acquiring bank to confirm the payment’s legitimacy. If the issuer does not rule in favor of the merchant, the dispute can be escalated to the card schemes for a final ruling. This escalation, which can also be initiated by the merchant, is not always advised, as the losing party is obligated to pay a fee to the card schemes.
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